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Mortgage Payment & Foreclosure Help

If a payment may be late or has already been missed, contact the mortgage servicer promptly. Options depend on the loan, hardship, timing and applicable rules; avoid anyone demanding upfront fees or guaranteeing a result.

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Start with the company that receives the payment

Ask the servicer which loss-mitigation options may be available and what documents are needed. Keep copies and notes of every communication.

Independent counseling is available

HUD-approved housing counselors can help homeowners understand options. Legal deadlines matter, so seek qualified legal help when appropriate.

Do not transfer title based on a promise

Be cautious of anyone who guarantees they can stop foreclosure, asks for payment before helping, tells you to stop communicating with the servicer or asks you to sign over ownership.

Need an answer for your situation?

General information is useful. A mortgage professional can help you evaluate the facts that apply to you.

Contact 7th Level Mortgage